Johnstown, PA · Charter 5017
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.32% | -0.78% | 2.64% | 1.90% | -0.21% | 0.66% | 0.91% | -173 bps | |
| Return on Equity | 1.92% | 3.45% | -9.98% | 38.76% | 25.66% | -3.25% | 9.83% | 12.68% | -2,608 bps | |
| Net Interest Margin | 4.49% | 5.23% | 3.89% | 0.77% | 2.60% | 3.56% | 4.24% | 4.30% | +353 bps | |
| Efficiency Ratio | 87.77% | 85.44% | 115.03% | 130.69% | 133.35% | 105.87% | 84.41% | 78.95% | -5,174 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.94% | 1.50% | -1.34% | 75.48% | 52.37% | 93.93% | 72.29% | 6.12% | -6,937 bps | |
| Loan Growth (YoY) | -14.68% | 6.57% | 14.58% | 26.93% | 116.68% | 98.08% | 89.79% | 44.79% | +1,786 bps | |
| Share Growth (YoY) | 11.75% | 7.67% | 4.45% | 79.26% | 53.30% | 101.44% | 74.84% | 5.94% | -7,332 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.01% | 0.00% | 5.23% | 8.42% | 0.00% | 0.00% | 0.00% | 0.00% | -842 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.99% | 8.95% | 8.65% | 2.15% | 0.16% | 0.14% | 0.13% | 0.16% | -200 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.17% | 9.33% | 7.80% | 6.82% | 7.40% | 6.42% | 6.73% | 7.16% | +35 bps | |
| Net Worth / Assets | 8.17% | 9.33% | 7.80% | 6.82% | 7.40% | 6.42% | 6.73% | 7.16% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.36% | 67.34% | 61.05% | 42.88% | 65.53% | 66.22% | 66.27% | 58.60% | +1,572 bps | |
| Liquid Assets / Assets | 61.32% | 44.17% | 48.08% | 133.90% | 39.05% | 37.63% | 37.36% | 0.00% | -13,390 bps | |